Options designed for life
Whether you’re planning for a milestone, preparing for the future, or setting something aside for loved ones, Foresters gives you the flexibility to invest in a way that fits your goals.
Each option has its own approach to growth and risk, from the steady reassurance of capital guaranteed to the higher return potential of high growth. You can choose one option or a mix, and switch at any time as your needs evolve. Our investment manager, JBWere, manages all options.
Investment options – returns versus risk
The chart above is illustrative and is not intended to show actual return and risk outcomes to scale. Past performance is not a reliable indicator of future returns.
| Option | At a glance | About this option |
| Capital guaranteed |
Risk profile: Low Time horizon: 1–3 years Objective: Return above the RBA cash rate over the long term |
A secure option investing mainly in cash and fixed interest assets. Designed for investors seeking stability and peace of mind, knowing their capital is protected. |
| Balanced |
Risk profile: Medium Time horizon: 3–5 years Objective: Return 2% above inflation (CPI) over the long term |
Combines defensive and growth assets to balance steadiness with potential for moderate returns. Suitable for those seeking reliable progress with minimal risk. |
| Sustainable |
Risk profile: Medium Time horizon: 3–5 years Objective: Return 2% above CPI over the long term |
Invests across both defensive and growth assets while focusing on environmental, social, and governance (ESG) considerations. Ideal for investors seeking to support responsible business practices. |
| Growth |
Risk profile: High Time horizon: 6–10 years Objective: Return 3% above CPI over the long term |
Focuses on equities and property for higher potential returns over time. Best suited to investors seeking stronger capital growth and who are comfortable with ups and downs. |
| High growth |
Risk profile: Very high Time horizon: 10+ years Objective: Return 4% above CPI over the long term |
Concentrated primarily in growth assets such as shares and property. Aims for the highest returns over the long term and suits investors who are comfortable with greater volatility. |
Performance & unit prices
| Net returns to 31 March 2026 | |||||
| Investment option | Inception date | FYTD | 1 year | 2 years p.a. | 3 years p.a. |
| High growth | 31 December 2020 | 2.87% | 7.97% | 5.40% | 7.93% |
| Growth | 31 December 2020 | 2.53% | 6.45% | 5.04% | 6.56% |
| Sustainable | 7 January 2022 | 0.45% | 4.25% | 3.49% | 4.81% |
| Balanced | 31 December 2020 | 2.13% | 5.61% | 4.27% | 5.01% |
Historical weekly & daily unit prices
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Daily Date | Balanced | Growth | High Growth | Sustainable |
|---|---|---|---|---|---|---|---|---|---|
| 3477 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/10/2026 | 1.155999 | 1.246319 | 1.327363 | 1.107685 |
| 3478 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/09/2026 | 1.155239 | 1.245058 | 1.325648 | 1.106166 |
| 3479 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/08/2026 | 1.156200 | 1.246059 | 1.326701 | 1.107329 |
| 3480 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/07/2026 | 1.145734 | 1.231386 | 1.305640 | 1.096064 |
| 3481 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/02/2026 | 1.140827 | 1.224416 | 1.295388 | 1.092207 |
| Net returns to 31 March 2026 | |||||
| Investment option | Inception date | FYTD | 1 year | 2 years p.a. | 3 years p.a. |
| High growth | 24 November 2023 | 2.84% | 7.77% | 5.09% | N/A |
| Growth | 24 November 2023 | 2.30% | 6.27% | 4.83% | N/A |
| Sustainable | 24 November 2023 | 0.40% | 4.39% | 3.53% | N/A |
| Balanced | 24 November 2023 | 2.13% | 5.66% | 4.23% | N/A |
Historical weekly & daily unit prices
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Price Date | Balanced | Growth | High Growth | Sustainable |
|---|---|---|---|---|---|---|---|---|---|
| 2769 | douglasc@forestersfinancial.com.au | 04/14/2026 11:02 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:02 AM | 04/10/2026 | 1.159337 | 1.194032 | 1.229066 | 1.153741 |
| 2770 | douglasc@forestersfinancial.com.au | 04/14/2026 11:02 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:02 AM | 04/09/2026 | 1.158527 | 1.192821 | 1.227548 | 1.152157 |
| 2771 | douglasc@forestersfinancial.com.au | 04/14/2026 11:02 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:02 AM | 04/08/2026 | 1.159532 | 1.193814 | 1.228493 | 1.153363 |
| 2772 | douglasc@forestersfinancial.com.au | 04/14/2026 11:02 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:02 AM | 04/07/2026 | 1.148654 | 1.179518 | 1.209562 | 1.141581 |
| 2773 | douglasc@forestersfinancial.com.au | 04/14/2026 11:02 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:02 AM | 04/02/2026 | 1.143507 | 1.172704 | 1.200328 | 1.137537 |
| Net returns to 31 March 2026 | |||||
| Investment option | Inception date | FYTD | 1 year | 2 years p.a. | 3 years p.a. |
| High growth | 31 December 2020 | 2.87% | 7.97% | 5.40% | 7.93% |
| Growth | 31 December 2020 | 2.53% | 6.45% | 5.04% | 6.56% |
| Sustainable | 7 January 2022 | 0.45% | 4.25% | 3.49% | 4.81% |
| Balanced | 31 December 2020 | 2.13% | 5.61% | 4.27% | 5.01% |
Historical weekly & daily unit prices
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Daily Date | Balanced | Growth | High Growth | Sustainable |
|---|---|---|---|---|---|---|---|---|---|
| 3477 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/10/2026 | 1.155999 | 1.246319 | 1.327363 | 1.107685 |
| 3478 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/09/2026 | 1.155239 | 1.245058 | 1.325648 | 1.106166 |
| 3479 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/08/2026 | 1.156200 | 1.246059 | 1.326701 | 1.107329 |
| 3480 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/07/2026 | 1.145734 | 1.231386 | 1.305640 | 1.096064 |
| 3481 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/02/2026 | 1.140827 | 1.224416 | 1.295388 | 1.092207 |
| Net returns to 31 March 2026 | |||||
| Investment option | Inception date | FYTD | 1 year | 2 years p.a. | 3 years p.a. |
| High growth | 21 July 2021 | 2.53% | 6.82% | 4.31% | 6.79% |
| Growth | 21 July 2021 | 2.20% | 5.56% | 3.53% | 4.96% |
| Sustainable | 21 July 2021 | -1.36% | 1.86% | 2.03% | 3.45% |
| Balanced | 19 July 2023 | 1.71% | 4.95% | 3.66% | N/A |
| Capital Guaranteed Performance | |||
| Total Return (Year) |
Funeral Benefit Fund Taxable (after 1 Feb 2011) |
Funeral Benefit Fund Taxable (after 31 Dec 2002) - CLOSED |
Funeral Benefit Fund Exempt (before 1 Jan 2003) - CLOSED |
| 2018 | 1.14% | 1.14% | 0.90% |
| 2019 | 1.71% | 0.71% | 1.60% |
| 2020 | 1.00% | 1.00% | 0.40% |
| 2021 | 1.14% | 0.57% | 0.75% |
| 2022 | 1.00% | 0.50% | 0.35% |
| 2023 | 1.07% | 0.50% | 1.20% |
| 2024 | 1.50% | 0.50% | 0.75% |
| 2025 | 3.57% | 0.50% | 2.00% |
Notes: The Total Return is the sum of the bonus rate allocated and the tax benefit.
Benchmark long-term CPI+ investment objectives:
CPI +0.5% pa
Historical weekly & daily unit prices
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Price Date | Balanced | Growth | High Growth | Sustainable |
|---|---|---|---|---|---|---|---|---|---|
| 4102 | douglasc@forestersfinancial.com.au | 04/14/2026 11:03 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:03 AM | 04/10/2026 | 1.143948 | 1.125218 | 1.193860 | 1.074527 |
| 4103 | douglasc@forestersfinancial.com.au | 04/14/2026 11:03 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:03 AM | 04/09/2026 | 1.141218 | 1.122215 | 1.189173 | 1.073751 |
| 4104 | douglasc@forestersfinancial.com.au | 04/14/2026 11:03 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:03 AM | 04/08/2026 | 1.141037 | 1.122081 | 1.188562 | 1.073531 |
| 4105 | douglasc@forestersfinancial.com.au | 04/14/2026 11:03 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:03 AM | 04/07/2026 | 1.133374 | 1.112723 | 1.176348 | 1.064040 |
| 4106 | douglasc@forestersfinancial.com.au | 04/14/2026 11:03 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:03 AM | 04/02/2026 | 1.129789 | 1.107892 | 1.168372 | 1.061810 |
| Net returns to 31 March 2026 | |||||
| Investment option | Inception date | FYTD | 1 year | 2 years p.a. | 3 years p.a. |
| High growth | 30 November 2023 | 2.67% | 7.40% | 4.45% | N/A |
Historical weekly & daily unit prices
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Price Date | High Growth |
|---|---|---|---|---|---|---|
| 3274 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/10/2026 | 1.204712 |
| 3275 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/09/2026 | 1.203198 |
| 3276 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/08/2026 | 1.204110 |
| 3277 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/07/2026 | 1.185409 |
| 3278 | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | douglasc@forestersfinancial.com.au | 04/14/2026 11:01 AM | 04/02/2026 | 1.176365 |
Past performance is not a reliable indicator of future performance. The value of investments can rise or fall, and investment returns can be positive or negative. The figures shown are net investment returns, that is, after fees, costs and taxes have been paid over the set periods of time shown and may not reflect the actual returns experienced by investors due to timing of contribution receipts.
Understanding risk and return in bonds
An investment bond is a long-term, tax-effective way to grow your savings. You invest money into a fund that’s held within a simple structure, meaning you don’t need to manage the tax on your earnings each year, and your money can grow steadily over time.
All Foresters investment options are managed by our investment manager, JBWere, using a disciplined and considered investment approach.
Like any investment, returns can vary depending on where your money is placed. Generally, higher potential returns come with higher risk, meaning the value of your investment may fluctuate more over time.
If you prefer stability, you may choose an option with lower risk and steadier returns. If you’re comfortable with more frequent fluctuations for greater long-term growth, a higher-growth option may suit you better.
No matter which path you choose, each Foresters’ option is managed with care by our investment manager, JBWere, to help your plan grow with confidence and with the tax benefits that come from planning ahead.
Measuring your risk
Risk can be hard to interpret because it can be measured in different ways. The good news is there are ways to help you understand and quantify the level of risk you are comfortable with. A common method is the twenty-year principle. This method calculates how many years of negative yearly returns you can expect over a twenty-year period. A higher number represents higher risk because there will be more years with a negative result, and vice versa.
Likelihood of negative annual returns over 20 years
| Investment options | ||||
|---|---|---|---|---|
| Capital Guaranteed | Sustainable | Balanced | Growth | High Growth |
| 0 | 3 to 4 | 3 to 4 | 4 to 5 | 5 to 6 |
Asset classes and timing
Each Foresters’ option is made up of different asset classes, the building blocks of your investment. Managed by our investment manager, JBWere, some are defensive, designed to protect your capital, while others are growth-focused, aiming for higher returns over time. Options with more defensive assets are steadier; those with more growth assets can fluctuate more but may deliver stronger long-term results.
Defensive assets
- Cash: secure, short-term deposits such as bank bills or savings accounts
- Fixed interest: government or corporate bonds that pay a set rate of return
Growth assets
- Equities: shares in Australian or global companies
- Property: commercial or listed property investments
- Alternatives: other diversified assets that help balance risk and return
Why time matters
Your investment timeframe influences which option may suit you best. Shorter-term goals may call for lower-risk options like capital guaranteed, while longer-term goals can often support higher-growth choices. As your life and priorities change, you can adjust your options to stay aligned with your goals.
We’re here to help
No matter your goals or stage of life, your investments should feel clear and within reach. With Foresters, you can choose an option that fits your comfort level today, and adjust it as life changes.